Personal Finances in the Era of Modern Technological Solutions

Anna Janina Warchlewska; Alfred Janc; Rafał Iwański

doi:10.18778/2391-6478.1.29.09

Autor

Anna Janina Warchlewska Poznan University of Economics and Business https://orcid.org/0000-0003-0142-7877
Alfred Janc Poznan University of Life Sciences https://orcid.org/0000-0002-0654-1241
Rafał Iwański University of Szczecin https://orcid.org/0000-0001-6345-9677

DOI:

https://doi.org/10.18778/2391-6478.1.29.09

Słowa kluczowe:

edukacja finansowa, świadomość finansowa, nowoczesne technologie finansowe

Abstrakt

Cel: Celem artykułu jest przedstawienie istoty zarządzania finansami osobistymi z wykorzystaniem nowoczesnych technologii finansowych. W artykule podjęto próbę odpowiedzi na pytanie, jaki wpływ na zarządzanie finansami osobistymi ma alfabetyzacja finansowa oraz rozwój rozwiązań fintech.

Metodologia: W opracowaniu dokonano analizy wpływu posiadanej wiedzy i kompetencji finansowych na decyzje konsumentów w zakresie finansów osobistych. Poczynione analizy prowadzą do odpowiedzi na pytanie, które determinanty mają wpływ na decyzje finansowe konsumentów oraz jakie zdalne narzędzia oferuje rynek. W artykule postawiono hipotezę, że intensyfikacja działań edukacyjnych dostosowanych do każdej grupy wiekowej przez instytucje oferujące usługi finansowe może wpłynąć na większe wykorzystanie nowoczesnych narzędzi w procesie zarządzania finansami osobistymi. Teoretyczne rozważania zostały oparte na pogłębionej kwerendzie literatury w przedmiotowym zagadnieniu. Przedstawiono badania i eksperymenty finansowe w zakresie wiedzy i umiejętności finansowych. Do analizy w zakresie rozwoju branży FinTech wykorzystano wtórne materiały empiryczne.

Wyniki: Skuteczność edukacji finansowej obserwowana jest jedynie w konkretnych zachowaniach finansowych. Branża finansowa jest kształtowana przez odbiorców, którzy zamiast edukacji finansowej poszukują np. coachingu finansowego dla konkretnego problemu na różnych etapach swojego życia. Zmiany w strukturze populacji (starzejące się społeczeństwo) oraz duża grupa klientów z grup defaworyzowanych (m.in. seniorzy, osoby niepełnosprawne) wymagają wypracowania nowych, dopasowanych strategii przez banki i dostawców usług finansowych. Zbyt duża pewność siebie i niski poziom wiedzy konsumentów na temat cyberbezpieczeństwa staje się wyzwaniem dla nowoczesnych technologii finansowych.

Pobrania

Brak dostępnych danych do wyświetlenia.

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